Digital currency decentralized lending
Publish: 2021-04-17 04:48:08
1. For example, I borrow money from you in a village. Normally, if I am afraid that you will not repay the money, I can find an intermediary recognized by everyone, such as the village head as the guarantor, and sign an IOU. In this way, if you default at that time, I can find an intermediary to prove that you really owe me money, But there are two problems: 1. What if the village head finds out that his long lost son colludes with him to cheat you on money? 2. What if the middleman dies on the spot the next day! This is about trust and security. If the method of blockchain is to provide you with the certificate of the whole village (distributed), so that everyone knows about it and the other party can't default on it. Second, even if a small number of people or village heads deny (some nodes commit crimes) that they have lost the IOU or tampered with the content, there will still be others to make the basis
above, explain the two problems of building owners: 1. Decentralization, because the account book records are not centralized in the hands of each participant, and you will get paid if you save and keep accounts. 2. Since I can get rewards by saving and keeping accounts, can I just keep accounts instead of storing them? If you have a mining pool, you can keep accounts for it and store it for you. In this way, you can still get good rewards. There are only a few mining pools in the world, so they are centralized
above, explain the two problems of building owners: 1. Decentralization, because the account book records are not centralized in the hands of each participant, and you will get paid if you save and keep accounts. 2. Since I can get rewards by saving and keeping accounts, can I just keep accounts instead of storing them? If you have a mining pool, you can keep accounts for it and store it for you. In this way, you can still get good rewards. There are only a few mining pools in the world, so they are centralized
2. It should be reliable.
3. That is, no one can control, not be controlled by the living center of a living group. Therefore, it can not be used as legal tender recognized by the state. There are a group of money speculators who argue that virtual currency will replace paper money every day. It's all bullshit. We must pay attention to investment risks. Now there are many pyramid schemes with virtual digital currency gimmicks to cheat money
4. The four well-known decentralized loan agreements are compound, Dharma, dydx and maker, We summarize it into three modes:
(1) P2P matchmaking mode
the Xueshuo innovation blockchain Technology Workstation of Lianqiao ecation online is the only approved "blockchain Technology Specialty" pilot workstation of "smart learning workshop 2020 Xueshuo innovation workstation" launched by the school planning, construction and development center of the Ministry of ecation of China. Based on providing diversified growth paths for students, the professional station promotes the reform of the training mode of the combination of professional degree research, proction, learning and research, and constructs the applied and compound talent training system
Dharma and dydx are peer-to-peer agreements to match borrowers and lenders. Therefore, the number of loans and borrowings based on the two agreements is equal
for example, in Dharma, smart contracts act as "guarantors" to evaluate the asset prices and risks of borrowers. The creditor decides whether to loan to the borrower according to the evaluation results provided by the "guarantor". At the same time, when the borrower fails to repay on time, the "guarantor" will automatically carry out the liquidation procere. The maximum borrowing period of Dharma platform is 90 days, and the loan interest is fixed. The lender's funds are locked ring the loan period, and only after matching with the borrower can it start to earn interest
dydx protocol is also a P2P mode, but the main difference between it and other lending platforms is that dydx also supports other transactions besides borrowing and lending, such as futures trading. When a trader opens a position in dydx, he or she will borrow margin and reach an agreement with the lender on the terms through the platform to conct margin trading. Therefore, the target customers of dydx are mainly margin dealers. The interest of the dydx platform is variable, and there is no lock-in period or maximum term for users to borrow money on the dydx platform< The first mock exam mode of BR / > (2) is
take compound as an example, borrowers and lenders trade through the liquid trading pool instead of matching with counterparties. The interest rate of each loan and loan is determined by the liquidity of the pool, that is, the ratio between the total amount of money provided by the lender and the total amount of money demanded by the borrower. Compound doesn't set a fixed loan term, so the lender can deposit the funds into the loan pool, continuously earn interest, and withdraw the assets at any time. The borrower has an unlimited contract period
according to market research, as of February 20, 2021, the total borrowing volume of the decentralized mortgage market hit an all-time high of US $8 billion for the first time. Decentralized lending market is a network system based on smart contract, where cryptocurrency holders can lend their assets / certificates on the chain to others to make profits.
currently, the top three defi protocols in the total amount of borrowing are:
1, compound: the total amount of borrowing is 4446012599 US dollars, accounting for 55.60%
2. Maker: the total amount of borrowing is 2335968433 US dollars, accounting for 29.21%< 3. AAVE V1: the total amount of borrowing is 643772395 US dollars, accounting for 8.05%<
the Xueshuo innovation blockchain Technology Workstation of Lianqiao ecation online is the only approved "blockchain Technology Specialty" pilot workstation of "smart learning workshop 2020 Xueshuo innovation workstation" launched by the school planning, construction and development center of the Ministry of ecation of China. Based on providing diversified growth paths for students, the professional station promotes the reform of the training mode of the combination of professional degree research, proction, learning and research, and constructs the applied and compound talent training system.
(1) P2P matchmaking mode
the Xueshuo innovation blockchain Technology Workstation of Lianqiao ecation online is the only approved "blockchain Technology Specialty" pilot workstation of "smart learning workshop 2020 Xueshuo innovation workstation" launched by the school planning, construction and development center of the Ministry of ecation of China. Based on providing diversified growth paths for students, the professional station promotes the reform of the training mode of the combination of professional degree research, proction, learning and research, and constructs the applied and compound talent training system
Dharma and dydx are peer-to-peer agreements to match borrowers and lenders. Therefore, the number of loans and borrowings based on the two agreements is equal
for example, in Dharma, smart contracts act as "guarantors" to evaluate the asset prices and risks of borrowers. The creditor decides whether to loan to the borrower according to the evaluation results provided by the "guarantor". At the same time, when the borrower fails to repay on time, the "guarantor" will automatically carry out the liquidation procere. The maximum borrowing period of Dharma platform is 90 days, and the loan interest is fixed. The lender's funds are locked ring the loan period, and only after matching with the borrower can it start to earn interest
dydx protocol is also a P2P mode, but the main difference between it and other lending platforms is that dydx also supports other transactions besides borrowing and lending, such as futures trading. When a trader opens a position in dydx, he or she will borrow margin and reach an agreement with the lender on the terms through the platform to conct margin trading. Therefore, the target customers of dydx are mainly margin dealers. The interest of the dydx platform is variable, and there is no lock-in period or maximum term for users to borrow money on the dydx platform< The first mock exam mode of BR / > (2) is
take compound as an example, borrowers and lenders trade through the liquid trading pool instead of matching with counterparties. The interest rate of each loan and loan is determined by the liquidity of the pool, that is, the ratio between the total amount of money provided by the lender and the total amount of money demanded by the borrower. Compound doesn't set a fixed loan term, so the lender can deposit the funds into the loan pool, continuously earn interest, and withdraw the assets at any time. The borrower has an unlimited contract period
according to market research, as of February 20, 2021, the total borrowing volume of the decentralized mortgage market hit an all-time high of US $8 billion for the first time. Decentralized lending market is a network system based on smart contract, where cryptocurrency holders can lend their assets / certificates on the chain to others to make profits.
currently, the top three defi protocols in the total amount of borrowing are:
1, compound: the total amount of borrowing is 4446012599 US dollars, accounting for 55.60%
2. Maker: the total amount of borrowing is 2335968433 US dollars, accounting for 29.21%< 3. AAVE V1: the total amount of borrowing is 643772395 US dollars, accounting for 8.05%<
the Xueshuo innovation blockchain Technology Workstation of Lianqiao ecation online is the only approved "blockchain Technology Specialty" pilot workstation of "smart learning workshop 2020 Xueshuo innovation workstation" launched by the school planning, construction and development center of the Ministry of ecation of China. Based on providing diversified growth paths for students, the professional station promotes the reform of the training mode of the combination of professional degree research, proction, learning and research, and constructs the applied and compound talent training system.
5. HNB community set up a GMH, the policy and decision were voted by decentralized participants, executed by smart contract, without human intervention. Major issues shall be discussed and voted by the general meeting of all community members. The full-time boards (development board, reserve board and arbitration board) authorized by GMH perform their respective ties. It effectively protects the rights and interests of all.
6. bitcoin, Leyte coin, dogcoin, Diandian coin, American card coin, bitstock, dark coin, black coin, Ruibo coin, Malaysian coin, Mediterranean coin, Yuanbao coin, Zhaocai coin, sand coin, network gold
7. In addition to bitcoin, Ruitai, Laite and Ruibo, the mainstream digital currencies have certain liquidity, other Shanzhai currencies basically have no liquidity. The related application is even more deficient, just staying in the theoretical stage
of course, it is not ruled out that large institutions will develop liquid digital currencies in the future.
of course, it is not ruled out that large institutions will develop liquid digital currencies in the future.
8. Before we understand decentralized lending, we need to understand the definition of both sides:
both sides mainly refer to the lender and the borrower, so they are called both sides
the borrower refers to the borrower, and the loan refers to the borrower
decentralized lending refers to matching the borrower and the lender through the past central lending agreement, and then transferring the assets and completing the lending immediately after the confirmation of mortgage and pledge
the decentralized lending protocol provides the platform with the technical basis of standardization and interoperability, and plays the role of security management in the lending process. Compared with the traditional lending model, the decentralized lending model has the following characteristics:
a. the combination of legal currency loan and digital asset loan (stable currency model can be regarded as the combination of legal currency and digital asset)
B. mortgage based on digital assets
C. realize real-time transaction settlement through automation, and rece the actual cost
D. replacing credit review with over mortgage mode also means that it can serve more people who can not use traditional services<
the Xueshuo innovation blockchain Technology Workstation of Lianqiao ecation online is the only approved "blockchain Technology Specialty" pilot workstation of "smart learning workshop 2020 Xueshuo innovation workstation" launched by the school planning, construction and development center of the Ministry of ecation of China. Based on providing diversified growth paths for students, the professional station promotes the reform of the training mode of the combination of professional degree research, proction, learning and research, and constructs the applied and compound talent training system.
both sides mainly refer to the lender and the borrower, so they are called both sides
the borrower refers to the borrower, and the loan refers to the borrower
decentralized lending refers to matching the borrower and the lender through the past central lending agreement, and then transferring the assets and completing the lending immediately after the confirmation of mortgage and pledge
the decentralized lending protocol provides the platform with the technical basis of standardization and interoperability, and plays the role of security management in the lending process. Compared with the traditional lending model, the decentralized lending model has the following characteristics:
a. the combination of legal currency loan and digital asset loan (stable currency model can be regarded as the combination of legal currency and digital asset)
B. mortgage based on digital assets
C. realize real-time transaction settlement through automation, and rece the actual cost
D. replacing credit review with over mortgage mode also means that it can serve more people who can not use traditional services<
the Xueshuo innovation blockchain Technology Workstation of Lianqiao ecation online is the only approved "blockchain Technology Specialty" pilot workstation of "smart learning workshop 2020 Xueshuo innovation workstation" launched by the school planning, construction and development center of the Ministry of ecation of China. Based on providing diversified growth paths for students, the professional station promotes the reform of the training mode of the combination of professional degree research, proction, learning and research, and constructs the applied and compound talent training system.
9. octor is taking my blood pre
10. This kind of debt should be regarded as joint debt, because it is used jointly
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